Commonwealth Schools of Insurance, Inc.
|
|
- Corey Short
- 6 years ago
- Views:
Transcription
1 Commonwealth Schools of Insurance P.O. Box 22414, Louisville, KY FAX INSTRUCTIONS TO COMPLETE THE CONTINUING EDUCATION COURSE Thank you for choosing the Commonwealth Schools of Insurance to fulfill your continuing education requirements. Please follow the instructions below to complete the course: STEP 1 Please print out the ANSWER SHEET, CERTIFICATE and QUESTIONS that follow this page. SHEET, please fill out the requested information clearly and completely. After printing the ANSWER STEP 2 TEST QUESTIONS must be answered on the page that follows. You must score 70% or better to received credit for this course. STEP 3 After completing the TEST and STUDENT INFORMATION marked with a X on the Certificate of Completion, the completed Answer Sheet and Certificate may be ed, faxed or mailed to: ed to: info@commonwealthschools.com Faxed to: Mailed to: Commonwealth Schools of Insurance, Inc. P O Box Louisville, KY Please note that your ANSWER SHEET and CERTIFICATE will not be processed without payment. Payment arrangements are listed on the ANSWER SHEET. YELLOW CARD SPECIAL Simply complete and return all 24 hours of CE at the same time. Regardless of the prices listed, your total charge will be $ NOTICE The material contained herein may not be duplicated without the express written permission of Commonwealth Schools of Insurance. The material contained in this course cannot be used as an original source of authority on legal matters. Any references made to laws and regulations in this material have been edited and summarized for clarity; and changes in these laws and regulations may have occurred since this course was published. The reader should always consult legal counsel as appropriate.
2 Form: CE-301 (7/2010) Commonwealth of Kentucky Department of Insurance - Agent Licensing Division P. O. Box Frankfort, Ky APPROVED CONTINUING EDUCATION COURSE CERTIFICATE OF COMPLETION STUDENT NAME: X CONTINUING EDUCATION COURSE IDENTIFICATION Course Title: KY Long-Term Care Partnership Course Certification Number: C03889 Course Completion Date: Number of Hours: 8 Instructor Name: PLEASE LEAVE BLANK (Required if certification is for a classroom course) Provider Name: Provider Certification Number: Commonwealth Schools of Insurance, Inc. S12128/PROV0085 PROVIDER CERTIFICATION: I hereby certify that this course was conducted as approved by the Commonwealth of Kentucky Department of Insurance. I further certify that the person whose name appears above did personally complete this course on the date indicated. Also, I acknowledge that fraudulent certification of this document will result in immediate withdrawal of approval of the provider, plus penalties, and simultaneous withdrawal of approval of all of the provider s courses (KRS and 806 KAR 9:220). Name: Signature: James F Davis Authorized Provider Representative Date: STUDENT CERTIFICATION: I hereby certify that I personally completed the course listed above in the manner required to satisfy Kentucky s continuing education laws and regulations. Also, I acknowledge that fraudulent certification of completion of this course will result in cancellation of my agent, adjuster, and/or life settlement broker licenses (KRS and 806 KAR 9:220). Name: X Signature: X DOI# or NPN: X Date: X The provider is required by law to give the student who successfully completes any continuing education course the original of this form upon completion of the course and to retain a copy in the provider s records for at least five years. For a classroom course, the provider is required by law to submit the Continuing Education Course Attendance Roster (Form CE-300) to the Department of Insurance within thirty days through eservices electronic submission. Students must verify that credit has been recorded for this class by visiting our website at: If credit does not appear, please verify with the provider that the Roster has been submitted. If the Roster has been submitted and you do not receive credit, please forward this original document to the Department directly, and keep a copy for your file. For all correspondence credits, the provider must submit the Course Completion to the Department through eservices, or the student must mail this original form to DOI and verify credit on our website, as required by KRS (10)(11).
3 KY Long-Term Care Partnership (8 credit hours LOA is KY Long-Term Care Partnership) PLEASE PRINT CLEARLY First Name M.I. Last Name NAIC NPN# and KYDOI# Home Mailing Address City State Zip Code Business Name Business Address City State Zip Code Home Telephone Business Telephone Address Date of Birth Month Year FAX No. Please send COMPLETED ANSWER SHEET, CERTIFICATE and PAYMENT VIA: ed to: Faxed to: Mailed to: Commonwealth Schools of Insurance, Inc. P O Box Louisville, KY Boxes must be filled in completely to insure accuracy in grading C YELLOW CARD SPECIAL Simply complete and return all 24 hours of CE at the same time. Regardless of the prices listed, your total charge will be $ CHECKS AND ALL MAJOR CREDIT CARDS ARE ACCEPTED: COURSE FEE $44.00 or Check Here for Yellow Card Special CARD NO. EXP DATE CV2 NO. CREDIT CARD BILLING ADDRESS SIGNATURE:
4 KY LONG-TERM CARE PARTNERSHIP TEST 1. Approximately how many Kentuckians are 65 years of age or older? A. 450,000 C. 2 million B. 1 million D. Only Bob Hope and George Burnes 2. The average stay in a nursing home for 1 year costs: A. $12,000 B. $45,000 C. $35,000 D. $50, More than half of all unmarried persons entering a nursing home would fall below the national poverty line within: A. 5 years B. 3 years C. 2 years D. 13 weeks 4. For most Americans, either Medicare or Medicaid is a viable option for long-term nursing home coverage. 5. Levels of nursing care from highest to lowest: A. Skilled, custodial, intermediate, home C. Skilled, custodial, home, intermediate B. Skilled, intermediate, home, custodial D. Skilled, intermediate, custodial, home 6. What percentage of U.S. nursing homes are Skilled Nursing Facilities and Medicare-approved? A. 15% B. 35% C. 52% D. 60% 7. LTC policies are usually made available to: A. People over age 84 C. People age B. People under age 40 D. All people regardless of age 8. "Guaranteed renewable" means: A. Carrier cannot adjust premiums C. Only policyholder can cancel policy B. Policyholder or carrier can cancel policy D. Only carrier can cancel policy 9 By Kentucky Law, an insurer can increase premiums on the basis of age for insureds over age The Kentucky Department of Insurance makes available a guide to LTC coverages to: A. Consumers C. Carriers B. Insurance agents D. Anyone
5 11. Which of the following is (are) discussed in "The Consumer's Guide to Long-Term Care Insurance in Kentucky"? A. Factors that affect premium rates C. Comparison of policies available in Kentucky B. Explanation of benefit limits D. All of the aforementioned 12. On what grounds can an LTC policy be canceled or non-renewed in Kentucky? A. Age of insured C. Deterioration of insured's physical health B. Non-payment of premium D. Deterioration of insured's mental health 13. Which statement is true about an LTC policy in Kentucky? A. Can provide significantly more coverage for skilled nursing care than for other levels B. Can provide coverage for skilled nursing care only C. Must provide similar coverage for all levels of nursing care D. All of the above are false 14. The pre-existing condition exclusion for an LTC policy is a maximum of: A. 6 months C. 1 year B. 9 months D. Pre-existing condition exclusions are prohibited 15. An LTC policy in Kentucky can use waivers or riders to exclude, limit, or reduce coverage or benefits for specifically named pre-existing conditions beyond the waiting period. 16. A Kentucky applicant can return an LTC policy within after delivery and receive a full refund if dissatisfied for any reason. A. 1 week C. 30 days B. 10 working days D. Depends on benefit levels 17. An LTC policy can be issued in Kentucky if it limits or excludes coverage for: A. Alzheimer's disease C. Cancer B. Alcoholism or drug addiction D. Broken hips 18. If an insured is institutionalized while an LTC policy is in force, the insurance can be terminated and coverage for the institutionalization shall lapse upon termination.
6 19. In Kentucky, a rider to an LTC policy increasing benefits with an accompanying increase in premiums: A. Must be approved by the Kentucky Association of Older Persons B. Does not need the insured's consent if the premium increase is under 10% C. Must be signed in writing by the insured D. Only needs the insured's verbal consent 20. An LTC policy providing home health or community care benefits cannot exclude or limit benefits by: A. Requiring that skilled nursing facility care would be necessary were home health care is not provided. B. Requiring that the insured first receive nursing or therapeutic services C. Requiring that the insured first have an acute condition 21. An LTC policy providing home health care or community care benefits must make them available at a dollar amount equivalent to of 1 year's coverage for nursing home benefits. A. 50% B. 75% C. 100% D. Unclear from statute 22. An insurer offering an LTC policy in Kentucky must also make inflation protection available to the applicant (except in life policies or riders). 23. An LTC policy automatically includes inflation protection unless it is rejected by the insured in writing. 24. Every insurer shall annually report to the Kentucky Department of Insurance by June 30: A. The 10% of its agents with the greatest percentage of lapses and replacements as their total annual sales B. The number of lapsed policies as a percent of its total annual sales C. The number of replacement policies as a percent of its total annual sales D. All of the above 25. LTC policies issued in Kentucky must have a minimum loss ratio of: A. 50% B. 60% C. 75% D. Does not apply 26. An agent's spouse calls elderly people under the guise of the Surgeon General of the U.S. and asks if they have LTC on the spouse. This is an example of: A. Twisting C. Cold lead advertising B. High pressure tactics D. None of the aforementioned
7 27. An agent tells an elderly person that most nursing homes steal their patients blind after their children spend most of the money entrusted to them. To avoid being thrown in the street because of inability to pay the nursing home bills, the elderly person should purchase LTC insurance. This is an example of: A. Twisting C. Cold lead advertising B. High pressure tactics D. None of the aforementioned 28. An agent tells a prospect that, rumor has it, the president of a competing LTC insurer has a $10,000-a-day cocaine habit on which he's spending premiums. This is an example of: A. Twisting C. Cold lead advertising B. High pressure tactics D. None of the aforementioned 29. An LTC policy issued in Kentucky cannot use smaller than 10-point type. 30. An LTC policy issued in Kentucky must follow format prescribed by the Commissioner that clearly delineates outline of coverage, terms by which the policy may be returned and premium refunded in full, benefits, exclusions and limitations, terms under which the policy may be discontinued, and premium. 31. A replacing LTC insurer shall not compensate its agents for more than of the compensation it pays on renewal. A. 100% B. 150% C. 200% D. Not clear from statute. 32. Under Kentucky s Long-Term Care Partnership Insurance Program, special LTC policies reduce the financial burden on the state s program. A. Medicaid C. Health Insurance Assistance Program B. Medicare D. Financial Aide Program 33. Ellen has a partnership-qualified long-term care policy and has $150,000 in countable assets. Her policy has paid out $50,000 in benefits when she applies for Medicaid. Assuming Ellen may retain $2,000 in assets and still qualify for Medicaid, how much of her assets will she have to spend down to be Medicaid eligible? A. $2,000 B. $50,000 C. $98,000 D. $ Under partnership-qualified LTC policies, assets protected from Medicaid spend down requirements are based on: A. The policy limit B. The amount the policy has paid out in benefits C. The amount of premiums paid into the policy D. A dollar amount established by state statute
8 35. Inflation protection under partnership-qualified long-term care policies is not required for those older than: A. 59-1/2 B. 62 C. 65 D Which of the following is a correct statement about exchanging a nonqualified LTC policy for a partnership-qualified policy? A. All nonqualified policies may be converted to qualified policies. B. The insured s health may be a factor in determining whether the policy can be exchanged. C. If the policy is exchanged, the insured will receive credit for satisfying pre-existing condition, elimination, and incontestability provisions D. The insured s age will be a factor in determining whether the policy can be exchanged. 37. How are premiums for partnership policies calculated? A. Premiums for partnership policies are calculated the same as any LTC policy. B. Premiums for partnership-qualified policies are higher than those for nonqualified policies. C. Premiums for partnership-qualified policies are lower than those for nonqualified policies. D. Premium costs cannot be compared because benefits are substantially different. 38. With respect to Medicaid eligibility, another term for asset protection is: A. Asset defense B. Asset disregard C. Asset security D. Estate recovery 39. For LTC partnership insureds leaving the state, Kentucky has entered into agreements with most other partnership states, permitting the same level of asset protection as other states Medicaid programs. A. Mutual B. Joint C. Reciprocal D. Collective 40. No lien for Medicaid expenditures may be placed against a person s home if a child under the age of resides in the home. A. 16 B. 18 C. 21 D The disposal of assets made on or after February 8, 2006, is subject to a look back period by Medicaid of months. A. 12 B. 24 C. 36 D Stan makes a transfer of assets for less than their fair market value in order to qualify for Medicaid. Which of the following is a correct statement? A. Sam is permanently disqualified from receiving Medicaid benefits B. Sam will be ineligible for Medicaid during a penalty period. C. Sam will have to retrieve the assets and transfer them properly. D. Sam can receive Medicaid benefits if he pays a penalty in cash.
9 43. The purchase of an annuity in order to qualify for Medicaid is considered a disposal of assets for less than fair market value and subjects the owner to a period of Medicaid ineligibility if the annuity is: A. Revocable B. Irrevocable C. Purchased with proceeds from a trust D. Purchased with proceeds from a Roth IRA 44. The home of an individual applying for Medicaid is considered an asset for purposes of program eligibility when: A. The individual s child lives in the home B. The individual s child under the age of 21 lives in the home C. The individual s child who is blind lives in the home D. The individual s child who is disabled lives in the home 45. Sarah lives with and provides long-term cares services to her mother Ruth so that Ruth can remain at home and not have to live in an institution. Ruth transfers the title of her home to Sarah in appreciation. Ultimately Ruth must go to a nursing home. What is the period of time that Sarah must have cared for Ruth in order for the home not to be considered an asset for Medicaid eligibility? A. 1 year B. 2 years C. 36 months D. 60 months 46. When a person applies for Medicaid-paid long-term care, he or she must disclose ownership of an annuity: A. Only when the annuity is owned individually B. When the annuity was purchased within 60 months of Medicaid application C. Only when the annuity will be treated as an asset D. In all cases of ownership 47. When a person applies for Medicaid-paid long-term care and holds an annuity as an asset, the contract must name the as the remainder beneficiary. A. care provider B. spouse, children, or others in order of succession C. Medicaid program D. state 48. In determining Medicaid eligibility for long-term care services, a person is ineligible if the equity interest in his or her exceeds an amount established by state statute A. home C. retirement accounts, if any B. second or vacation home, if any D. annuities, if any
10 49. A qualified long-term care insurance contract must: A. Be guaranteed renewable C. Provide inflation protection for all insureds B. Build cash value D. Contain pre-existing condition limitations 50. Which of the following would not be considered long-term care services under a qualified LTC policy? A. Rehabilitative services prescribed by a physician B. Personal care services for those who cannot perform these alone C. Hospitalization for kidney stones D. Necessary curing treatment for the chronically ill 51. A qualified long-term care insurance contract must name at least activities of daily living A. 2 B. 3 C. 5 D A qualified long-term care insurance contract must name all of the following activities of daily living except: A. Bathing B. Driving C. Dressing D. Eating 53. States long-term care insurance regulations are modeled after: A. Other states regulations B. Model regulation promulgated by the National Association of Insurance Commissioners C. Federal legislation D. Suggestions from long-term care insurance providers 54. Under which of the following qualified long-term care insurance contract provisions must some benefit be provided to the policy owner for premiums he or she has paid when the policy lapses due to nonpayment of premiums? A. Nonforfeiture C. Guaranteed renewability B. Renewability D. Incontestability 55. In Kentucky, a long-term care partnership insurance policy must provide coverage for expenses for at least months for one or more long-term care services provided in a setting other than an acute care unit of a hospital A. 3 B. 6 C. 12 D In Kentucky, if the value of long-term care benefits provided in a life, disability, or annuity contract is less than 10 percent of the total value of the benefits provided, the LTC benefit is termed: A. Irrelevant B. Insignificant C. Incidental D. Minor
11 57. When applying for Medicaid in Kentucky, how much in assets can be disregarded for each dollar paid in benefits under a qualified long-term care policy? A. $1 C. It depends on the policy B. $2 D. Unknown because this amount is regularly adjusted for inflation 58. Under Kentucky s Long-Term Care Partnership Insurance Program, certain assets of the owner of a partnership-qualified long-term care policy can be exempt from the estate requirements of Medicaid. A. oversight B. tax C. recovery D. control 59. A chronically ill individual as one who is unable to perform without substantial assistance at least two activities of daily living for at least days. A. 30 B. 60 C. 90 D A deficiency in short- or long-term memory; orientation as to person, place, and time; deductive or abstract reasoning; or judgment as it relates to safety awareness is called: A. Alzheimer s disease C. Dementia B. A cognitive impairment D. Brain damage 61. The policy provision found in long-term care policies under which the policy owner has the right to continue coverage by the timely payment of premiums and the insurer has no right to unilaterally make changes in coverage or premium rates is called the: A. Noncancellable provision C. Nonforfeiture provision B. Guaranteed renewability provision D. Incontestability provision 62. All of the following can be excluded under a Kentucky long-term care insurance policy except: A. Alzheimer s disease B. Alcoholism C. Treatment for injury sustained while participating in a felony D. Intentional self-inflicted injuries 63. New group long-term care insurance policies sold in Kentucky must provide covered individuals with a basis for continuation or of coverage. A. extension B. expansion C. conversion D. termination 64. New long-term care insurance policies sold in Kentucky must provide insureds with the option of designating to receive notice if the policy lapses due to nonpayment of premiums. A. a third party C. a family member only B. Medicaid D. only an attorney
12 65. What is the grace period for long-term care insurance policies sold in Kentucky? A. 28 days B. 30 days C. 31 days D. 1 month 66. In Kentucky, a person terminating coverage under a group long-term care policy and who wants to convert to individual coverage must apply for the converted policy and pay the first premium due within: A. 28 days B. 30 days C. 31 days D. 1 month 67. In Kentucky, a life insurance policy which provides an accelerated benefit for long-term care must be accompanied by a disclosure that receipt of the benefits may be taxable and that assistance from is recommended. A. a lawyer C. a trusted family member B. a tax advisor D. a trusted friend or associate 68. A long-term care insurance policy sold in Kentucky, which includes home health or community care services, must provide total home health or community care coverage that is: A. A dollar amount equivalent to at least one-half of one year's coverage available for nursing home benefits under the policy B. A dollar amount equivalent to one year's coverage available for nursing home benefits under the policy C. A dollar amount equivalent to coverage available for nursing home benefits under the policy D. A reasonable amount of home health or community care services relative to the nursing home benefits under the policy 69. Inflation protection provisions of long-term care policies sold in Kentucky must offer benefit levels that are compounded annually of at least: A. 2% B. 3% C. 5% D. 10% 70. Applications for long-term care insurance are required to include questions designed to determine all of the following except A. Whether applicant has a current LTC policy in force the B. Whether the coverage is intended to replace an accident or sickness policy in force C. Whether the coverage is intended to replace a LTC policy in force D. Whether the applicant has ever owned a LTC policy 71. Insurers marketing long-term care insurance in Kentucky must use standards to determine if the purchase or replacement of long-term care insurance is appropriate for the needs of the applicant. A. common sense C. reasonable B. usual and customary D. suitability
Commonwealth Schools of Insurance, Inc.
Commonwealth Schools of Insurance P.O. Box 22414, Louisville, KY 40252-0414 502.425.5987 FAX 502.429.0755 E-mail: info@commonwealthschools.com INSTRUCTIONS TO COMPLETE THE CONTINUING EDUCATION COURSE Thank
More informationCommonwealth Schools of Insurance, Inc.
Commonwealth Schools of Insurance P.O. Box 22414, Louisville, KY 40252-0414 502.425.5987 FAX 502.429.0755 E-mail: info@commonwealthschools.com INSTRUCTIONS TO COMPLETE THE CONTINUING EDUCATION COURSE Thank
More informationCommonwealth Schools of Insurance
Commonwealth Schools of Insurance P.O. Box 22414, Louisville, KY 40252-0414 502.425.5987 FAX 502.429.0755 E-mail: info@commonwealthschools.com INSTRUCTIONS TO COMPLETE THE CONTINUING EDUCATION COURSE Thank
More informationCommonwealth Schools of Insurance, Inc.
Commonwealth Schools of Insurance P.O. Box 22414, Louisville, KY 40252-0414 502.425.5987 FAX 502.429.0755 E-mail: info@commonwealthschools.com INSTRUCTIONS TO COMPLETE THE CONTINUING EDUCATION COURSE Thank
More informationCommonwealth Schools of Insurance, Inc.
Commonwealth Schools of Insurance P.O. Box 22414, Louisville, KY 40252-0414 502.425.5987 FAX 502.429.0755 E-mail: info@commonwealthschools.com INSTRUCTIONS TO COMPLETE THE CONTINUING EDUCATION COURSE Thank
More informationCommonwealth Schools of Insurance
Commonwealth Schools of Insurance P.O. Box 22414, Louisville, KY 40252-0414 502.425.5987 FAX 502.429.0755 E-mail: info@commonwealthschools.com INSTRUCTIONS TO COMPLETE THE CONTINUING EDUCATION COURSE Thank
More informationCommonwealth Schools of Insurance, Inc.
Commonwealth Schools of Insurance P.O. Box 22414, Louisville, KY 40252-0414 502.425.5987 FAX 502.429.0755 E-mail: info@commonwealthschools.com INSTRUCTIONS TO COMPLETE THE CONTINUING EDUCATION COURSE Thank
More informationCommonwealth Schools of Insurance, Inc.
Commonwealth Schools of Insurance P.O. Box 22414, Louisville, KY 40252-0414 502.425.5987 FAX 502.429.0755 E-mail: info@commonwealthschools.com INSTRUCTIONS TO COMPLETE THE CONTINUING EDUCATION COURSE Thank
More information3 FEDERAL INCOME TAX TREATMENT OF THE RIDER:
Life Insurance Company (U.S.A.) [John Hancock Place P.O. Box 717 Boston, Massachusetts 02117] ACCELERATION OF LIFE INSURANCE DEATH BENEFIT FOR QUALIFIED LONG TERM CARE SERVICES RIDER -- FORM 05LTCR OUTLINE
More informationLONG TERM CARE INSURANCE OUTLINE OF COVERAGE
Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 LONG TERM CARE INSURANCE OUTLINE OF COVERAGE Policy Form No.: RGLTC04 FOR THE EMPLOYEES OF ATRIUS HEALTH
More informationLONG TERM CARE INSURANCE - OUTLINE OF COVERAGE Group Master Policy/Certificate Form Number
UNUM Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 LONG TERM CARE INSURANCE - OUTLINE OF COVERAGE Group Master Policy/Certificate Form Number 560123 FEDERAL
More informationUnum Life Insurance Company of America 2211 Congress Street Portland, Maine (207)
Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 LONG TERM CARE INSURANCE OUTLINE OF COVERAGE Policy Form No.: GLTC04/CLTC04 MINTZ LEVIN COHN FERRIS GLOVSKY
More informationLONG TERM CARE INSURANCE OUTLINE OF COVERAGE
UNUM Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE EMPLOYEES OF GENERAL MILLS INC (the Policyholder) Group
More informationUnum Life Insurance Company of America 2211 Congress Street Portland, Maine (207)
Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 QUALIFIED LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE EMPLOYEES OF SIRIUS COMPUTER SOLUTIONS, INC.
More informationInternal Revenue Code Section 7702B(b)(1) Treatment of qualified long-term care insurance.
Internal Revenue Code Section 7702B(b)(1) Treatment of qualified long-term care insurance. (a) In general. For purposes of this title CLICK HERE to return to the home page (1) a qualified long-term care
More informationSPECIAL NOTICE NOTICE TO YOU, THE OWNER
TRANSAMERICA LIFE INSURANCE COMPANY Home Office: [Cedar Rapids, Iowa] Administrative Office: [1400 Centerview Drive, PO Box 8063, Little Rock, Arkansas 72203-8063] (Hereinafter called the Company, we,
More informationLONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE EMPLOYEES OF BOWMAN AND BROOKE LLP (the Policyholder)
UNUM Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE EMPLOYEES OF BOWMAN AND BROOKE LLP -948916 (the Policyholder)
More informationLong Term Care. TransACE Long Term Care Rider Consumer Guide ICC12 OL t r a n s a m e r i c a
Long Term Care GET STARTED ON YOUR PLANS TODAY TransACE Long Term Care Rider Consumer Guide ICC12 OL 3011 0912 t r a n s a m e r i c a Americans are living longer lives which means needs are changing.
More informationUnum Life Insurance Company of America 2211 Congress Street Portland, Maine (207)
Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 QUALIFIED LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE EMPLOYEES OF SAFEWAY INSURANCE COMPANY #141333
More informationUnum Life Insurance Company of America 2211 Congress Street Portland, Maine (207) LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE
Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE EMPLOYEES OF ARRIS TECHNOLOGY, INC. #098017 Group Master
More informationCommonwealth Schools of Insurance, Inc.
Commonwealth Schools of Insurance P.O. Box 22414, Louisville, KY 40252-0414 502.425.5987 FAX 502.429.0755 E-mail: info@commonwealthschools.com INSTRUCTIONS TO COMPLETE THE CONTINUING EDUCATION COURSE Thank
More informationLong Term Care Insurance Outline of Coverage from Genworth Life Insurance Company
Genworth Life Insurance Company Administrative Office P.0 Box 64010 St Paul MN 55164-0010 (800) 416-3624 Long Term Care Insurance Outline of Coverage from Genworth Life Insurance Company Page 1 of 8 Group
More informationUnum Life Insurance Company of America 2211 Congress Street Portland, Maine (207)
Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 COMPREHENSIVE LONG TERM CARE INSURANCE - OUTLINE OF COVERAGE FOR THE MEMBERS OF LOS ANGELES POLICE RELIEF
More informationCommonwealth Schools of Insurance, Inc.
Commonwealth Schools of Insurance P.O. Box 22414, Louisville, KY 40252-0414 502.425.5987 FAX 502.429.0755 E-mail: info@commonwealthschools.com INSTRUCTIONS TO COMPLETE THE CONTINUING EDUCATION COURSE Thank
More informationLong-term care Insurance
More and more Americans are aware of the steadily growing costs of long-term care. A lifetime of retirement savings can be wiped out by an unexpected need for nursing home, assisted living, or at-home
More informationUnum Life Insurance Company of America 2211 Congress Street Portland, Maine (207)
Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 COMPREHENSIVE LONG TERM CARE INSURANCE - OUTLINE OF COVERAGE FOR THE EMPLOYEES OF ALAMEDA HEALTH SYSTEM
More informationIt s about living life on your terms.
A Solutions Guide for Individuals It s about living life on your terms. SignatureCare 500 Partnership Programs insure invest retire Insurance Strategies LTC54000P Contents 1 The need for long term care
More informationTake control of your future
The Nationwide Long-Term Care Rider Product guide Take control of your future ICC14-NFM-1437AO.13 NATIONWIDE LIFE AND ANNUITY INSURANCE COMPANY You ve worked hard to live life on your terms When you think
More informationQUALIFIED LONG TERM CARE INSURANCE OUTLINE OF COVERAGE
Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 QUALIFIED LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE EMPLOYEES OF CERNER CORPORATION #146897 Group
More informationUnum Life Insurance Company of America 2211 Congress Street Portland, Maine (207) LONG TERM CARE INSURANCE OUTLINE OF COVERAGE
Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE EMPLOYEES OF CANTOR COLBURN LLP Group Master Policy/Certificate
More informationUnum Life Insurance Company of America 2211 Congress Street Portland, Maine (207) QUALIFIED LONG TERM CARE INSURANCE OUTLINE OF
Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 QUALIFIED LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE EMPLOYEES OF KYOCERA INTERNATIONAL, INC.
More informationQUALIFIED LONG TERM CARE INSURANCE OUTLINE OF COVERAGE
Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 QUALIFIED LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE MEMBERS OF OREGON EDUCATORS BENEFIT BOARD
More informationPage 1 of 8 Group Policy Form No.: 7053POL NY Certificate Form No.: 7053CRT NY Group Policyholder: New York University School of Medicine
Genworth Life Insurance Company of New York Administrative Office P.O. Box 64010 St Paul MN 55164-0010 800 416.3624 Long Term Care Insurance For Tax Qualification Purposes Nursing Home and Home Care Insurance
More informationLONG TERM CARE INSURANCE OUTLINE OF COVERAGE
UNUM Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE EMPLOYEES OF FRONTIER TECHNOLOGY, LLC dba MICROAGE
More informationIt s about living life on your terms.
A Solutions Guide for Individuals It s about living life on your terms. SignatureCare 500 Partnership Programs insure Insurance invest Strategies retire LTC52000P Contents 1 The need for long term care
More informationHelp protect your future and your family s well-being
New York Partnership Total Asset Protection Plans Help protect your future and your family s well-being LTC-8000NYP TAP 11/11 Custom Care III New York Partnership Long-Term Care Insurance John Hancock
More informationLONG TERM CARE INSURANCE OUTLINE OF COVERAGE
UNUM Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE EMPLOYEES OF HUMANA INC. (the Policyholder) Group Master
More informationMUTUAL OF OMAHA INSURANCE COMPANY MUTUAL OF OMAHA PLAZA, OMAHA, NE
MUTUAL OF OMAHA INSURANCE COMPANY MUTUAL OF OMAHA PLAZA, OMAHA, NE 68175 1-877-894-2478 INDIVIDUAL LONG-TERM CARE INSURANCE OUTLINE OF COVERAGE FOR POLICY SERIES LTC13 TAX-QUALIFIED NOTICE TO BUYER: This
More informationUnum Life Insurance Company of America 2211 Congress Street Portland, Maine (207) QUALIFIED LONG TERM CARE INSURANCE OUTLINE OF
Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 QUALIFIED LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE EMPLOYEES OF TOTAL SYSTEM SERVICES, INC.
More informationCommonwealth Schools of Insurance, Inc.
Commonwealth Schools of Insurance P.O. Box 22414, Louisville, KY 40252-0414 502.425.5987 FAX 502.429.0755 E-mail: info@commonwealthschools.com INSTRUCTIONS TO COMPLETE THE CONTINUING EDUCATION COURSE Thank
More informationThe Guardian Life Insurance Company of America Customer Service Office 3900 Burgess Place Bethlehem, PA 18017
The Guardian Life Insurance Company of America Customer Service Office 3900 Burgess Place Bethlehem, PA 18017 THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA ACCELERATED BENEFIT RIDER SUMMARY AND DISCLOSURE
More informationBerea College Group Long Term Care Insurance Program
Berea College Group Long Term Care Insurance Program Employee Presentation for Enrollment Period March 17, 2014 to April 11, 2014 Underwritten by Genworth Life Insurance Company. 2011 Genworth Financial,
More informationLong-Term Care Insurance Outline of Coverage
The Lincoln National Life Insurance Company ( the Company ) A Stock Company Service Office: One Granite Place, PO Box 515, Concord, New Hampshire 03302-0515 (800) 962-1654 Long-Term Care Insurance Outline
More informationA Long-Term Care Review: A Life Insurance-LTC Hybrid Solution
A Long-Term Care Review: A Life Insurance-LTC Hybrid Solution Do you have a plan to pay for long-term care services, if needed a plan that helps to preserve your financial independence from the ravages
More informationMedicare Select Enrollment Application
Medicare Select Enrollment Application Underwritten by Unity Health Plans Insurance Corporation 840 Carolina Street Sauk City, WI 53583-1374 (800) 362-3309 Fax (608) 643-2564 QuartzBenefits.com Information
More informationLONG TERM CARE INSURANCE OUTLINE OF COVERAGE
UNUM Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE EMPLOYEES OF NAVY FEDERAL CREDIT UNION (the Policyholder)
More informationOREGON PUBLIC EMPLOYEES RETIREMENT SYSTEM
UNUM Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE EMPLOYEES OF OREGON PUBLIC EMPLOYEES RETIREMENT SYSTEM
More informationLong-Term Care (LTC) Riders
ADVANCED MARKETS Long-Term Care (LTC) Riders The purpose of this article is to address some of the most frequently asked questions concerning long-term care riders associated with life insurance contracts
More informationSENIOR NEEDS Medicare Overview LEARNING OBJECTIVES OVERVIEW. Primary vs. Secondary Payor
11 SENIOR NEEDS LEARNING OBJECTIVES Upon the completion of this chapter, you will be able to: 1. Identify when Medicare is the primary or secondary payor 2. Explain the types of enrollment periods for
More informationAccess NY Supplement A
Access NY Supplement A This Supplement must be completed if anyone who is applying is: Age 65 or older Certified blind or certified disabled (of any age) t certified disabled but chronically ill Institutionalized
More informationUNUM Life Insurance Company of America 2211 Congress Street Portland, Maine (207)
UNUM Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE EMPLOYEES OF THOMPSON COBURN LLP (the Policyholder)
More informationBJC HEALTHCARE (the Policyholder)
UNUM Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE EMPLOYEES OF BJC HEALTHCARE (the Policyholder) Group
More informationLong Term Care Rider TRANSAMERICA PREMIER LIFE INSURANCE COMPANY TRANSAMERICA LIFE INSURANCE COMPANY
TRANSAMERICA Long Term Care Rider TRANSAMERICA PREMIER LIFE INSURANCE COMPANY TRANSAMERICA LIFE INSURANCE COMPANY COVER PHOTO: TWENTY20.COM/TIM SCHWAB ICC17 23448_FFIULLTCB0317 Consider the facts There
More informationSupplement A (Supplement to Access NY Health Care Application DOH-4220)
Supplement A (Supplement to Access NY Health Care Application DOH-4220) This Supplement must be completed if anyone who is applying is: Age 65 or older Certified blind or certified disabled (of any age)
More informationMID-ATLANTIC PERMANENTE MEDICAL GROUP P.C. (the Policyholder)
UNUM Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE EMPLOYEES OF MID-ATLANTIC PERMANENTE MEDICAL GROUP
More informationIt s about living life on your terms.
A Solutions Guide for Individuals It s about living life on your terms. SignatureCare 500 insure Insurance invest Strategies retire LTC52000 Contents 1 The need for long term care affects the entire family.
More informationAccelerated Death Benefit Endorsements
FOR CALIFORNIA USE ONLY Accelerated Death Benefit Endorsements Financial Protection To Help With Critical, Chronic and Terminal Illness - Client Brochure This is a life insurance benefit that also gives
More informationThe advance payment of some or all of the death proceeds payable under a life insurance policy when the Insured meets certain eligibility criteria.
Pruco Life Insurance Company a Prudential Financial company RIDER TO PROVIDE ACCELERATION OF DEATH BENEFIT DISCLOSURE (BenefitAccess Rider) This Disclosure provides a summary of the important features
More informationLong-Term Care (LTC) Riders
ADVANCED MARKETS Long-Term Care (LTC) Riders BECAUSE YOU ASKED The purpose of this article is to address some of the most frequently asked questions concerning long-term care riders associated with life
More informationUnum Life Insurance Company of America 2211 Congress Street Portland, Maine (207)
Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE EMPLOYEES OF JOHNS HOPKINS HEALTH SYSTEM CORPORATION/THE
More informationBenefits Handbook Date May 1, Long Term Care Insurance Plan Marsh & McLennan Companies
Date May 1, 2017 Marsh & McLennan Companies As of January 1, 2017, Genworth Life Insurance Company has discontinued their current Long Term Care product offering. Other long term care plan insurance coverage
More informationTerm Insurance. Breathe Easier Worry Less PROTECTING THE ONES WHO DEPEND ON YOU. Products issued by Life Insurance Company of the Southwest
Breathe Easier Worry Less Term Insurance PROTECTING THE ONES WHO DEPEND ON YOU Products issued by Life Insurance Company of the Southwest National Life Group is a trade name representing various affiliates,
More informationLong-Term Care Insurance Disclosures
Long-Term Care Insurance Disclosures Disclosure Requirements from Long-Term Care Insurance Model Act (#640) **** Section 6. Disclosure and Performance Standards for Long-Term Care Insurance A. The commissioner
More informationJOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) JOHN HANCOCK PLACE PO BOX
Policy No. 28619-LTC (28619 Harland Clarke Holdings Corp.) JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) JOHN HANCOCK PLACE PO BOX 111 Boston, Massachusetts 02117 (John Hancock) TEL. NO. 1-888-333-2659
More informationThe Summary of Benefits is intended to be a qualified Long Term Care Insurance contract under Section 7702B(b) of the Internal Revenue Code of 1986.
First Unum Life Insurance Company 666 Third Avenue New York, New York 10017 1-800-356-5817 LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE EMPLOYEES OF BLUMENCRANZ KLEPPER WILKINS AND DUBOFSKY LTD.
More informationGettysburg College Group Long Term Care Insurance Program
Gettysburg College Group Long Term Care Insurance Program Employee Presentation for Enrollment Period 2/22/2016 to 3/18/2016 45145VPA 01/29/15 Underwritten by Genworth Life Insurance Company. 2014 Genworth
More informationGuide to Long-Term Care Insurance
Guide to Long-Term Care Insurance www.ahip.org This guide is designed to give consumers a, general introduction to long-term care insurance. Although revised often, this booklet contains information that
More informationUNUM Life Insurance Company of America 2211 Congress Street Portland, Maine (207) LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR
UNUM Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR EMPLOYEES OF COSTCO WHOLESALE CORPORATION (the Sponsoring
More informationA Shopper s Guide to. Long-Term Care Insurance
A Shopper s Guide to Long-Term Care Insurance About the NAIC The National Association of Insurance Commissioners (NAIC) is the oldest association of state government officials. Its members are the chief
More informationANNE ARUNDEL COUNTY PUBLIC SCHOOLS
Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE EMPLOYEES/RETIREES OF ANNE ARUNDEL COUNTY PUBLIC SCHOOLS
More informationLONG TERM CARE INSURANCE OUTLINE OF COVERAGE
UNUM Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE EMPLOYEES OF BUNZL DISTRIBUTION USA, INC. (the Policyholder)
More informationMinnesota Life and Accident & Health Insurance Producer Cross Reference Study Guide
Minnesota Life and Accident & Health Insurance Producer Cross Reference Study Guide This cross reference provides you with the exam outline for your state insurance exam and a reference code where the
More informationLong Term Care Insurance Outline of Coverage from Genworth Lif e Insurance Company Page 1 of 8
Genworth Life Insurance Company Administrative Office P.0 Box 64010 St Paul MN 55164-0010 800.416.3624 Long Term Care Insurance from Genworth Lif e Insurance Company Page 1 of 8 Group Policy Form No.:
More informationLong-term care. Planning for Financial Security FINANCIAL LITERACY EDUCATION PROGRAMS
FINANCIAL LITERACY EDUCATION PROGRAMS Long-term care Planning for Financial Security Financial Planning offered through VALIC Financial Advisors, Inc. (VFA) SAVING : INVESTING : PLANNING 1 of 14 Getting
More informationPreserving Your Assets and Your Dignity: A Long-Term Care Review
Preserving Your Assets and Your Dignity: A Long-Term Care Review Do you have a plan to pay for long-term care services, if needed a plan that protects the assets you have accumulated over a lifetime from
More informationHelp protect your future and your family s well-being
John Hancock Life Insurance Company (U.S.A.) Florida Help protect your future and your family s well-being LTC-8000FL 9/11 Custom Care III Long-Term Care Insurance John Hancock A name people know and trust
More informationNationwide Life and Annuity Insurance Company
Helping clients plan for the costs of Understanding and planning Long-term care for long-term care ICC18-NRM-15379AO Nationwide Life and Annuity Insurance Company 1 Today s Agenda Why long-term care cost
More informationUNUM Life Insurance Company of America 2211 Congress Street Portland, Maine (207)
UNUM Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR EMPLOYEES OF MICRO FOCUS (the Sponsoring Organization)
More informationUnum Life Insurance Company of America 2211 Congress Street Portland, Maine (207) LONG TERM CARE INSURANCE - OUTLINE OF COVERAGE FOR
Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 LONG TERM CARE INSURANCE - OUTLINE OF COVERAGE FOR THE EMPLOYEES OF SAN DIEGO MUNICIPAL EMPLOYEES ASSOCIATION
More informationCHRONIC ILLNESS ACCELERATED BENEFIT RIDER
CHRONIC ILLNESS ACCELERATED BENEFIT RIDER ACCELERATED BENEFITS PAID UNDER THIS RIDER WILL REDUCE THE POLICY S DEATH BENEFIT AND POLICY VALUES, WHICH INCLUDE, BUT ARE NOT LIMITED TO, THE ACCOUNT VALUE,
More information3. This Policy is intended to be a qualified Long Term Care insurance contract under Section 7702B(b) of the Internal Revenue Code of 1986.
UNUM Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE EMPLOYEES OF KRONOS INCORPORATED (the Policyholder)
More informationLong Term Care Agreement
Long Term Care Agreement This agreement is a part of the policy to which it is attached and is subject to all its terms and conditions. This agreement is effective as of the policy date of this policy
More informationWhole Life Legacy 100 sm with LTCAccess sm Rider (LTCR) Basic Life Insurance Illustration and LTCR Summary
Whole Life Legacy 100 sm with LTCAccess sm Rider () Basic Life Insurance Illustration and Summary The LTCAccess Rider is an Accelerated Death for Long Term Care Services Rider Prepared for: Valued Client
More informationWisconsin Long-Term Care Partnership Policies Supplemental. Wisconsin Long-Term Care Insurance Partnership Program
Wisconsin Long-Term Care Partnership Policies Supplemental Wisconsin Long-Term Care Insurance Partnership Program PART I WI Medicaid Training Introduction to the WI Long-Term Care Insurance Partnership
More informationMake an Informed Choice
Producer Information I Index Universal Life Insurance Make an Informed Choice Long Term Care or Chronic Illness Rider? As our population ages, obtaining financial protection against long term care (LTC)
More informationA CONSUMER S GUIDE. Breathe Easier. Worry Less. Products issued by National Life Insurance Company
Term Portfolio A CONSUMER S GUIDE Breathe Easier. Worry Less. Products issued by National Life Insurance Company National Life Group is a trade name of National Life Insurance Company and its affiliates.
More informationAMERICAN HERITAGE LIFE INSURANCE COMPANY
AMERICAN HERITAGE LIFE INSURANCE COMPANY ACCELERATED DEATH BENEFIT FOR LONG-TERM CARE RIDER TAX QUALIFICATION NOTICE: This rider is intended to provide a qualified accelerated death benefit that is excluded
More informationUNUM Life Insurance Company of America 2211 Congress Street Portland, Maine (207)
UNUM Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR EMPLOYEES OF UNIVERSITY OF SOUTH FLORIDA (the Sponsoring
More informationLONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR EMPLOYEES OF BROWARD COMMUNITY COLLEGE (the Sponsoring Organization)
UNUM Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR EMPLOYEES OF BROWARD COMMUNITY COLLEGE (the Sponsoring
More informationHelp protect your future and your family s well-being
John Hancock Life Insurance Company (U.S.A.) Connecticut Help protect your future and your family s well-being LTC-8000CT 11/11 Custom Care III Long-Term Care Insurance John Hancock A name people know
More informationUNUM Life Insurance Company of America 2211 Congress Street Portland, Maine (207) LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR
UNUM Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR EMPLOYEES OF RENTON SCHOOL DISTRICT NO. 403 (the Sponsoring
More informationNational Life Insurance Company
Breathe Easier Worry Less Term Insurance PROTECTING THE ONES WHO DEPEND ON YOU Products issued by National Life Insurance Company National Life Group is a trade name of National Life Insurance Company,
More informationA Shopper s Guide to
A Shopper s Guide to LONG-TERM CARE INSURANCE NAIC National Association of Insurance Commissioners Table of Contents A Shopper s Guide to Long-Term Care Insurance About This Shopper s Guide 2 What Is Long-Term
More informationUNUM Life Insurance Company of America 2211 Congress Street Portland, Maine (207)
UNUM Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR EMPLOYEES OF NCCI HOLDINGS, INC. (the Sponsoring Organization)
More informationTennessee Long-Term Care Partnership 1-Hour State Specific Course
Tennessee Long-Term Care Partnership 1-Hour State Specific Course Presented by: Sandi Kruise Insurance Training A division of Sandi Kruise Inc 1-800-517-7500 www.kruise.com Page 1 of 13 CONSUMER HANDOUT
More informationProduct Reference Guide
FOR LIFE Product Reference Guide Lincoln MoneyGuard Reserve Plus This information was compiled by Product & Distribution Support. For questions contact Annie Raasch annie.raasch@lfg.com. Hello future.
More informationHelp protect your future and your family s well-being
John Hancock Life Insurance Company (U.S.A.) Indiana Partnership Help protect your future and your family s well-being LTC-8000INP 5/11 Custom Care III Indiana Partnership Long-Term Care Insurance John
More informationCHRONIC ILLNESS VS. LONG-TERM CARE
Pacific Life Insurance Company CHRONIC ILLNESS VS. LONG-TERM CARE Comparing Pacific Life Insurance Company s Premier Living Benefits and Premier LTC Riders Available with Certain Cash Value Life Insurance
More informationNAIC Model Regulations & Model Act Sections Referenced in DRA
Additional Handout for NAIC Partnership for LTC Training in Nebraska NAIC Model Regulations & Model Act Sections Referenced in DRA Presented by SANDI KRUISE INSURANCE TRAINING A Division of Sandi Kruise
More informationNew York Life Asset Flex
*ILLUSTORIG 01* I L L U S T O R I G 0 1 Life Insurance Basic Illustration New York Life Modified Single Premium Universal Life Insurance with Reimbursement Style Long-Term Care s (To be accompanied by
More information